PlainZIP

North Yarmouth, ME · standard

ZIP Code 04097

Cumberland County, Maine - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,574
65/sq mi
$129,267
Median income
$496,500
Median home value
53.4%
Bachelor's or higher

The verdict

North Yarmouth pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 7%
household income, US ZIPs
Top 13%
home value, US ZIPs
65
people per sq mi
87%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04097 against every reporting US ZIP.

ZIP code 04097 covers 55.0 square miles in North Yarmouth, Cumberland County, Maine (a standard USPS delivery area), with a modest 3,574 residents on file, a density of 65 people per square mile, in the New York time zone.

ZIP 04097 skews affluent, with a median household income of $129,267 (76% above the Maine average), while per-capita income is $64,608. Local economic indicators show a 4.8% poverty rate alongside 1.9% unemployment. The typical home here is valued at $496,500 (75% above the state average); renters pay a median of $1,708 monthly, and 86.6% of units are owner-occupied.

This is a highly-educated ZIP: 53.4% of adults hold a bachelor's degree or higher, the median age is 47.4, and the average commute is 27 minutes. To put 04097 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Cumberland County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 04097

Top 5 sectors by establishment count in North Yarmouth, ME

Which industries have the most business establishments in ZIP 04097.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 04097, North Yarmouth, ME · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

3,574

Population

55.0

Area (sq mi)

65

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 04097?

47.4

Median Age

51.4%

Male

48.6%

Female

3.1%

Foreign-Born

White 92.6%
African American 0.0%
Asian 1.9%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.9%
Hispanic or Latino 2.5%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$129,267

Median Household Income

+76% vs state

$64,608

Per Capita Income

4.8%

Poverty Rate

1.9%

Unemployment Rate

27.4 min

Mean Commute Time

How ZIP 04097 ranks nationally

North Yarmouth, ME household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$129,267 Top 7% higher than 93% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 76.6%
Bachelor's Degree or Higher 53.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,612

Total Housing Units

1,549

Occupied Units

63

Vacant Units

2.73

Avg Household Size

Occupancy Type

Owner 86.6%
Renter 13.4%

$496,500

Median Home Value

+75% vs state

$1,708

Median Rent

1983

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-8.5%

YoY Change (2024)

284

HPI Index (2000 = 100)

+184%

Total Change Since 2000

Home values in ZIP 04097 have decreased 8.5% over the past year (2024). Since 2000, this ZIP has seen +184% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.7% 184
2021 +11.7% 205
2022 +19.7% 245
2023 +26.3% 310
2024 -8.5% 284

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 110 business establishments in ZIP 04097, employing approximately 434 people with a combined annual payroll of $23,221,000.

110

Businesses

434

Employees

$23.2M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Construction 31 28.2%
Professional, scientific, and technical services 27 24.6%
Administrative and support and waste management and remediation services 11 10.0%
Other services (except public administration) 8 7.3%
Health care and social assistance 7 6.4%
Real estate and rental and leasing 5 4.5%
Finance and insurance 4 3.6%
Wholesale trade 3 2.7%
Retail trade 3 2.7%
Accommodation and food services 3 2.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 04097 vs 04021 →

ZIP 04097 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 04097 ranks #8 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 04097 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 04097 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
04021 Cumberland Center, ME 5,820 4.0 mi
04069 Pownal, ME 1,465 4.3 mi
04096 Yarmouth, ME 8,349 4.9 mi
04110 Cumberland Foreside, ME 1,391 6.7 mi
04032 Freeport, ME 7,879 6.8 mi
04039 Gray, ME 7,422 5.8 mi
04105 Falmouth, ME 11,158 7.5 mi
04260 New Gloucester, ME 5,542 8.3 mi
04222 Durham, ME 3,848 9.5 mi
04017 Chebeague Island, ME 341 10.3 mi

More ZIP Codes in Cumberland County

04103 standard
Portland, ME
Pop: 30,606
04106 standard
South Portland, ME
Pop: 25,175
04011 standard
Brunswick, ME
Pop: 20,278
04074 standard
Scarborough, ME
Pop: 18,760
04092 standard
Westbrook, ME
Pop: 17,515
04102 standard
Portland, ME
Pop: 17,335

Related Areas

Cumberland County North Yarmouth, ME Maine

Frequently Asked Questions

What county is ZIP code 04097 in? ▼
ZIP code 04097 (North Yarmouth) is located in Cumberland County, Maine. Cumberland County contains multiple ZIP codes, see the full list at /counties/cumberland-me.
What is the population of ZIP code 04097? ▼
ZIP code 04097 in North Yarmouth, ME has a population of 3,574 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04097? ▼
The median household income in ZIP 04097 is $129,267, which is 69% above the national average of $76,288.
What is the average home value in ZIP 04097? ▼
The median home value in ZIP 04097 is $496,500, which is 78% above the national average of $278,155.
What is the demographic makeup of ZIP 04097? ▼
The largest racial group in ZIP 04097 is White at 92.6%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 04097? ▼
ZIP code 04097 has 110 business establishments employing approximately 434 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 04097? ▼
The top industries by establishment count in ZIP 04097 are: Construction (31), Professional, scientific, and technical services (27), Administrative and support and waste management and remediation services (11). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 04097? ▼
According to the FHFA House Price Index, home values in ZIP 04097 decreased by 8.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 184%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 04097? ▼
In ZIP code 04097, 76.6% of residents aged 25+ have a high school diploma or higher, and 53.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 04097? ▼
The mean commute time for workers in ZIP code 04097 is 27.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 04097? ▼
In ZIP code 04097, approximately 86.6% of occupied housing units are owner-occupied and 13.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04097? ▼
The poverty rate in ZIP code 04097 is 4.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.